The H-plan's cap is the P-plan rate, so with HIBOR where it is both price at 4.125% today. The H-plan is only cheaper once 1M HIBOR falls below 2.825%.
If rates change · monthly repayment
LTV
Term
▼ 0.50% · 3.625%
HK$17,276
−HK$1,083/mo
▼ 0.25% · 3.875%
HK$17,813
−HK$546/mo
Today · 4.125%
HK$18,359
baseline
▲ 0.50% · 4.625%
HK$19,476
+HK$1,117/mo
Deposit HK$3.79M · loan HK$3.79M · min. income ≈ HK$36,718/mo (50% DSR)
Upfront cash ≈ HK$4.02M (deposit + AVD stamp duty HK$227,289 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,219
−HK$1,039/mo
▼ 0.25% · 3.875%
HK$19,735
−HK$523/mo
Today · 4.125%
HK$20,258
baseline
▲ 0.50% · 4.625%
HK$21,325
+HK$1,067/mo
Deposit HK$3.79M · loan HK$3.79M · min. income ≈ HK$40,516/mo (50% DSR)
Upfront cash ≈ HK$4.02M (deposit + AVD stamp duty HK$227,289 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,731
−HK$1,300/mo
▼ 0.25% · 3.875%
HK$21,376
−HK$655/mo
Today · 4.125%
HK$22,031
baseline
▲ 0.50% · 4.625%
HK$23,372
+HK$1,341/mo
Deposit HK$3.03M · loan HK$4.55M · min. income ≈ HK$44,062/mo (50% DSR)
Upfront cash ≈ HK$3.26M (deposit + AVD stamp duty HK$227,289 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,063
−HK$1,246/mo
▼ 0.25% · 3.875%
HK$23,682
−HK$627/mo
Today · 4.125%
HK$24,309
baseline
▲ 0.50% · 4.625%
HK$25,590
+HK$1,281/mo
Deposit HK$3.03M · loan HK$4.55M · min. income ≈ HK$48,618/mo (50% DSR)
Upfront cash ≈ HK$3.26M (deposit + AVD stamp duty HK$227,289 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,186
−HK$1,517/mo
▼ 0.25% · 3.875%
HK$24,939
−HK$764/mo
Today · 4.125%
HK$25,703
baseline
▲ 0.50% · 4.625%
HK$27,267
+HK$1,564/mo
Deposit HK$2.27M · loan HK$5.30M · min. income ≈ HK$51,406/mo (50% DSR)
Upfront cash ≈ HK$2.50M (deposit + AVD stamp duty HK$227,289 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,907
−HK$1,454/mo
▼ 0.25% · 3.875%
HK$27,629
−HK$732/mo
Today · 4.125%
HK$28,361
baseline
▲ 0.50% · 4.625%
HK$29,856
+HK$1,495/mo
Deposit HK$2.27M · loan HK$5.30M · min. income ≈ HK$56,722/mo (50% DSR)
Upfront cash ≈ HK$2.50M (deposit + AVD stamp duty HK$227,289 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,097
−HK$1,950/mo
▼ 0.25% · 3.875%
HK$32,064
−HK$983/mo
Today · 4.125%
HK$33,047
baseline
▲ 0.50% · 4.625%
HK$35,057
+HK$2,010/mo
Deposit HK$758K · loan HK$6.82M · min. income ≈ HK$66,094/mo (50% DSR)
Upfront cash ≈ HK$985K (deposit + AVD stamp duty HK$227,289 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,595
−HK$1,869/mo
▼ 0.25% · 3.875%
HK$35,522
−HK$942/mo
Today · 4.125%
HK$36,464
baseline
▲ 0.50% · 4.625%
HK$38,386
+HK$1,922/mo
Deposit HK$758K · loan HK$6.82M · min. income ≈ HK$72,928/mo (50% DSR)
Upfront cash ≈ HK$985K (deposit + AVD stamp duty HK$227,289 · Scale 2, in force from 26 Feb 2026)
Up to 90% LTV is available for self-use properties at HK$10M or below under the Mortgage Insurance Programme (first-time buyers).